Long-term disability insurance provides financial assistance for prolonged periods of time, typically years or decades, to those who are unable to work due to an injury or illness that will last for quite a long time. The following are some of the medical conditions that may qualify for long-term disability benefits:
Physical Conditions:
- Cancer
- Musculoskeletal disease
- Epilepsy
- Stroke
- Paralysis
- Degenerative diseases
- Coma
- Amputation
- Arthritis
- Back injuries
- Multiple sclerosis
Mental Disorders:
- Depression
- Bipolar disorder
- Alzheimer’s
- Autism
- Post-traumatic stress disorder
- Anxiety or panic attacks
- Anorexia, bulimia, or OFSED
- Sleep disorder
- Schizophrenia
Other medical conditions that may qualify for long-term disability coverage include cardiovascular diseases, digestive system disorders, respiratory system disorders, certain neurological disorders, and special senses and speech disorders. To qualify for long-term disability, you must have a documented medical condition that prevents you from working and meets your policys definition of a qualifying disability. The requirements and qualifying conditions may vary by provider, so its important to review your policys terms and conditions to understand the requirements for your disability coverage.
